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Des Moines Health Insurance

A majority of the residents in Iowa are insured through their employers; 59% of the population. Those who are insured with Medicaid make up 12% of the population and 9% of the residents aren't insured at all; this is lower than the national average at 16%.

For the citizens who are having trouble with obtaining traditional health insurance due to pre-existing health conditions can apply for the Health Insurance Plan of Iowa (HIPIOWA); this is a high-risk pool insurance policy. There is a limit on premiums that are charged to the individuals who carry this plan.

Health Insurance Options in Des Moines

Families that are considered low-income may be eligible for health insurance plans like Medicaid. Children, pregnant women and the disabled are usually automatically qualified for this state program. If a child isn't eligible for Medicaid because of income requirements, there is another option—Iowa's SCHIP program called Healthy and Well Kids in Iowa (hawk-i).

When seeking health insurance policies, you should consider why you need the plan. Are you looking for access to emergency-only care or do you require frequent doctor visits? You will also need to look into health insurance companies before signing any contracts; see how long they've been in business. You don't want to invest a year's worth of money into a company that folds before you even receive benefits.

Another characteristic you should look for is quality over affordability. Just because something is cheap doesn't mean it's good. Likely there will be a lot of benefits taken off that you may need in the future, so make sure to thoroughly look over the policies.

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